| Christmastime is a wonderful time of year to relax | | | | everybody you know is the biggest hassle of gift |
| with family and rejoice with friends. The holiday should | | | | giving, but it wouldn't be if you had a realistic list that |
| give people a chance to unwind from everyday life but | | | | you followed. First, decide who absolutely MUST be on |
| it usually makes them much more stressed. In order to | | | | the list then make agreements with each of them on a |
| enjoy the holiday, it is important to take time to actually | | | | spending LIMIT. This will allow you to budget how much |
| think about what the holiday means and what the true | | | | you will spend by knowing HOW MANY PEOPLE you |
| meaning of the season is. Then think about how you | | | | will buy gifts for and how much MONEY you will |
| want to celebrate it. Because the birth of Christ is the | | | | spend on each gift, according to your spending limit |
| reason for the season, it is important to remember that | | | | that was already set. |
| as you plan your celebrations and not spend too much | | | | Plan ahead. Save money and cut back expenses. |
| on the commercialization shown by merchants, who | | | | Evaluate the number of gifts that you purchase and |
| advertise all the newest and latest products that are | | | | decrease it. Set a limit on each gift to be purchased. |
| sure to please at Christmas. | | | | Add the cost of holiday extras, like Christmas dinner |
| There are simple tips to avoid, or at least manage | | | | for the family, phone calls for merry wishing and higher |
| stress during the Christmas season that you can try. | | | | utilities for Christmas decorations. Don't forget to add |
| Since one of the biggest stressors is spending money | | | | money for charities, church, and the homeless. These |
| or going into debt, then it's important to figure how to | | | | are great ways to beat Christmas Stress so you can |
| make spending less of a financial burden. One way to | | | | enjoy the spirit and excitement of Christmas with |
| avoid going into debt when you shop, is to decide to | | | | family and friends rather than stressing about money, |
| use only money that you have put away for | | | | presents, and commercialism. Remember the true |
| Christmas. The easiest way to SAVE is to join a | | | | meaning of Christmas is Christ's birth and spend more |
| Christmas club or use automatic withdrawal for | | | | time and money on peace, goodwill, sharing and caring |
| savings. These two ways for saving money JUST for | | | | than on a shopping frenzy. Enjoy the holidays with |
| Christmas is the first step to beat the stress of | | | | family and friends without stress. |
| financial ruin during the holidays. So, SAVE to avoid the | | | | Planning properly can fight all the stresses that come |
| biggest stress. | | | | with stress. I have a friend of mine who has everything |
| Next, you need to examine who you actually buy | | | | planned much before Christmas. On Christmas Day he |
| presents for and who you WANT to buy for, then trim | | | | has all the time to be with family and friends and relax. |
| down the number on your list. Trying to buy for | | | | This is the clue to stress free Christmas. |